银行信贷资金的分布与经济增长的关系研究

金融是一国最基本的战略资源，是经济发展的引擎，利用引擎的改变可以刺激其他要素，推动整个经济的发展。文章采用PanelData模型对1995年～2009年全国及省际经济增长与银行信贷资金分布的相关数据进行整理和分析，研究发现，从总体趋势上看，信贷资金分布与经济发展高度相关，贷款是推动区域经济增长的重要因素．但贷款对区域经济增长的贡献效率明显不同，存在不平衡性。因此，实现金融资源和风险的最优配置，建立一个高效、运行良好的金融体系至关重要。

Study on the Relation between Bank Credit Capital Distribution and Economic Growth

As one of the most fundamental strategic resources for a country, finance is an engine for economic development. The change of this engine may stimulate other essential factors so as to promote the overall economic development. By utilizing Panel Data model, this paper sorts out and analyses relevant data of the national and interorovincial economic growth and bank credit capital distribution. As for the overall trend, the study shows that credit capital distribution is closely related to economic development and that bank loan is an important factor in promoting regional economic growth. However, the contribution efficiency of bank loan on regional economic growth varies a lot with imbalance. Therefore, it is of vital importance to achieve the best allocation of financial resources and risks and to establish a highly efficient financial system.